MSME Solutions

No, ReCredify is a credit advisory firm and does not guarantee loan approvals, government scheme sanctions, or funding. Credit underwriting and approval decisions are made entirely by the lending banks, NBFCs, or government agencies based on their independent risk assessments and criteria.

For sole proprietorships, lenders often evaluate both the individual's personal CIBIL score and the business's commercial credit history, as the proprietor is personally liable for business debts. We help proprietors understand this linkage, correct overlap errors, and build positive scores in both profiles.

Lenders evaluate several key factors: the company's CIBIL Rank (preferably 1 to 4), operational vintage (typically 2+ years), debt-to-equity ratio, Debt Service Coverage Ratio (DSCR), profitability trends, and turnover verified through bank statements and GST filings.

The right option depends on your business cycle. For daily operational cash flows, working capital limits (CC/OD) or invoice discounting are best. For capital assets, term loans are more appropriate. Our advisors evaluate your financial indicators and guide you on the structures that fit your cash flow best.

GST returns provide verified, real-time data on a business's sales and purchase activities. Lenders review GSTR summaries to confirm revenue consistency, evaluate operational scale, check tax compliance discipline, and determine cash-flow-based lending limits.

No, GST performance is a critical indicator of operational sales, but lenders also evaluate banking transaction behaviors, existing debt exposures, net profitability, personal promoter scores, and collateral availability (if applicable) before granting approvals.

Commonly required files include company and promoter PAN cards, GST certificates and GSTR-3B filings (last 12 months), bank statements (last 6 to 12 months), audited financial statements (last 2 years), and details of all active credit facilities.

ReCredify utilizes enterprise-grade security protocols, end-to-end data encryption, and privacy-first workflows. All company financials, GST returns, and credit reports are held confidentially and are never shared with third-party lenders or agencies without your explicit consent.